Premium Tax Credits and Cost-Sharing Protections Under the Affordable Care Act Poverty level Income Premium contribution as a share of income Out-of-pocket limits Percent of medical costs covered on average: silver plan 100%–137% Single: $11,170–<$15,415 Family: $23,050–<$31,809 2% (or Medicaid) Single: $1,983 Family: $3,967 94% 138%–149% Single: $15,415–<$16,755 Family: $31,809–<$34,575 3.0%–4.0% 150%–199% Single: $16,755–<$22,340 Family: $34,575–<$46,100 4.0%–6.3% 87% 200%–249% Single: $22,340–<$27,925 Family: $46,100–<$57,625 6.3%–8.05% Single: $2,975 Family: $5,950 73% 250%–299% Single: $27,925–<$33,510 Family: $57,625–<$69,150 8.05%–9.5% 70% 300%–399% Single: $33,510–<$44,680 Family: $69,150–<$92,200 9.5% Single: $3,967 Family: $7,933 400%+ Single: $44,680+ Family: $92,200+ — Single: $5,950 Family: $11,900 All plans cover essential health benefit package at four levels of cost-sharing: 1st tier (bronze) actuarial value: 60% 2nd tier (silver) actuarial value: 70% 3rd tier (gold) actuarial value: 80% 4th tier (platinum) actuarial value: 90% Catastrophic policy with essential health benefits package available to young adults and people whose premiums are 8%+ of income Notes: Premium and cost-sharing credits are for the silver plan. Federal poverty levels are for 2012. Source: Commonwealth Fund Health Reform Resource Center: What’s in the Affordable Care Act? (PL 111-148 and 111-152), http://www.commonwealthfund.org/Health-Reform/Health-Reform-Resource.aspx.